Before I financed my motorhome, I did a good bit of online research. Finance rates varied not only from bank to bank, but also on how long the note is, how much was financed, and new/used. I looked at all the options (time, amount, who I would be dealing with) and made a decision that worked best for me.
If the interest rates remain the same for a longer term note, I would go with a longer term note (lower minimum payments) but remember you always have the option of paying off early (even an extra $100 per month can make a difference).